protect your boat or personal watercraft with one of our partners and leave worries back on shore

Hitting the open water is a perfect way to take a break from everyday life and relax with family, friends, or by yourself. But costly accidents, injuries, and theft don't take a break just because you do. You never know when mishaps will occur — that's why boat insurance is one of the most important accessories you can have on your watercraft. More [+]

Although Esurance doesn't offer boat insurance, you can get a free quote on our site and connect to one of our trusted partners. You'll be able to customize a flexible policy right online for everything from Jet Skis® to cabin cruisers.

Why you may need boat insurance

While boat insurance isn't required by law in most states, we recommend checking with your state's Department of Motor Vehicles for requirements in your neck of the woods.

Apart from your state, other interested parties may require you to have boat insurance. If you take out a loan to buy a boat, for example, your lender may require you to insure it to protect itself from the risk of loss or damage. And many marinas require proof of coverage before allowing you to dock.

types of boats you can insure through esurance

Boat insurance through Esurance can protect a wide variety of watercraft, including:

Jet Skis

WaveRunners™

Sailboats

Dinghy runabouts (when insured with another primary boat)

Cabin cruisers

Pontoons

Fishing boats

Family runabouts

how to get your boat insurance quote

Before getting your free quote, gather as much of the following information as you can:

Make, model, and condition of the boat(s) you wish to cover

Names of anyone you want covered

Information on current or most recent insurer

Valuables you plan on carrying in the boat (this helps with your settlement in case your belongings are stolen or damaged)

specialized coverages for your boat

While you may be able to get partial protection for your boat or PWC through your homeowners insurance, this only provides basic liability coverage and won't guard your savings from most risks.

If, for example, your boat is totaled by a storm or your expensive navigation equipment is stolen, the hit to your wallet could be pretty big.

Luckily, boat insurance typically comes with a slew of specialized coverages to help provide emergency towing, replace your pricy boat accessories, and reimburse an agreed value for your boat if it's ever totaled (just to name a few possibilities).

claims info

connect with us

Boat insurance quotes are provided by Answer Financial, Inc. Esurance does not underwrite, provide customer service, or pay claims for any boat policies sold by Answer Financial. Coverage availability varies by state and individual risk situation. Insurance quotes are not available in D.C.